Ever had an idea for a business….

…but thought “Nah, it’ll never work”… ?

Or “I’ve got no money to get it off the ground”…?

It’s a shame, because while it’s possible your idea isn’t a goer… it’s equally possible that you have the seeds of a little income generator.

In a moment I’m going to give you a super-quick crash course in taking an idea out of your head and testing it out to see if it has legs…. in your spare time… without spending any money.

And I’ll also show you that being a home entrepreneur doesn’t always require investment, premises, staff, transport or any of that terrifying stuff.

First… let me show you what I mean with the story of…

My friend’s twenty-eight grand mistake

Last week I met a friend who – after years of talking about it – has just started up his own business.

No more Mr 9-5 for him! Actually it’ll probably be 9-9 because he’s operating in a very competitive field.

But that aside, he’s finally going to work for himself, with no one breathing down his neck, and taking ALL the profits.

Good for him. I’m sure he’s going to make it work.

But…

He’s made a massive mistake in his first week of trading and it’s a mistake that so many people make when they start a business. This mistake can waste hundreds of pounds – if you’re lucky. Yet if you try and point it
out, most people think you’re wrong.

In my friend’s case it’s wasted £28,000 of his money. And I’ve known people to have wasted HUNDREDS of thousands on this.

Can you guess what it is?

Go on, I’ll give you a minute.  What would YOU do if you started a business? (And I’m talking about a business that doesn’t require huge storage or a shop front or anything specific like that).

Right – well here’s what my mate did…

In week 1 or 2 of starting up his business, he went out and rented some expensive offices in Soho.

When you tot up the rent, the rates, the services charges and all the little extras, it’s going to cost him around £28,000 a year. He doesn’t have to pay all of that now, but he’s tied into it.

On top of that, he’s hired two staff to look after day to day business like field calls, make sure there’s coffee in the pot and look after the potted plants.

Now don’t get me wrong… he IS making money already.

But rather than keep expenses to the bare minimum he’s creating the illusion of a fully formed business before it’s really taken off. Maybe he’s got a bank loan out, maybe he’s throwing his own money at this – I
don’t know.

But in short, I think he’s spending around £50K a year that he doesn’t have to spend, because he’s pandering to his vanity a little and enjoying having an office and staff.

Compare that to another friend of mine…

£5m from a garden shed

He’s been operating a publishing and consultancy business for over 10 years now, and he must have easily have made £5million in that time.

But even though he has money, he works from home, stocks his products in the garden shed (a very fancy garden shed it has to be said) and outsources everything from accountancy to PA services to marketing. And
if he has to see clients, he either meets them at their swanky offices, or in a nice restaurant or he invites them round to his mansion.

So, who do YOU think’s the smarter one?

Obviously it’s the millionaire in the shed.

If you’re starting out on any venture, you DON’T need a fancy office, fancy business cards, an expensive website (and those web designers will charge you THOUSANDS if you let them)…

In fact, you can start with some very basic tools.

How to test out an idea for free

Okay, so you’re at your kitchen table and you’ve a business idea niggling away in your brain. You’re not sure if it’ll work – it might be crazy – but you fantasize about what COULD happen if it was successful…to the point where you’re even thinking about how to spend the profits.

(Or is this just me?)

Your first step should not be to throw loads of money at it or running to a bank manager with an idea written on a beer-mat asking for money.

My advice is to start testing the idea out using the tools, platforms and resources available on the internet.

For instance…

* RETAIL – let’s say you’ve got an idea for a shop or website that sells a certain type of item. Perhaps it’s quirky t-shirt designs… collectable model cars… classic vinyl… fantasy fiction books.

First step, go to www.ebay.co.uk and open an account. Gather some of the items you think to sell – either by snapping them up on eBay and reselling them at a higher price, or going to garage sales, flea markets and charity shops. Yes, this is an initial outlay but you should only buy a few of the items you wish to sell, list them on eBay and see if you make a profit.

If you can make a profit on those first items, re-invest in a few more items, and keep going. Each time you re-invest. Soon you’ll know whether the little niche you’ve explored has commercial potential and that’s when you can think about creating your own website or investing further.

* ARTS and CRAFTS - let’s say you are creative type who can make your own product. Perhaps you make amazing fairy cakes, tailor your own clothes and accessories… or make your own gift cards… or maybe you’re a painter, a photographer, a fiction writer, a local historian….

Go to www.wordpress.com and set up a basic free blog website. You can pick one off the shelf. It’s easy to do – don’t worry about style too much. Ultimately, it’s a platform for showing off what you do. Write short blog posts each week with photos or samples of your work. If it’s something that can sell on eBay, then also set up an account and let the two platforms work together.

Go to www.paypal.com and set up an account. This means you can take payments.

Sign up all your customers and enquirers to an email newsletter. You can set up a free email newsletter on www.mailchimp.com. It’s really easy to do and you can send emails to up to 2,000 people before they start charging.

To publicise your blog, visit forums related to your product or service, go on Twitter (www.twitter.com) and use other social media platforms to get into conversation with other like minded people.

Again, if you get interest in your blog or product THEN you can think about taking it to the next level and investment some money in getting your site designed professionally, or hiring copywriters for your sales
material.

* PUBLISHING - if you want to create information products like ‘how to’ books, manuals, homes study courses, CD ROMS, magazines, newsletters and email bulletins, then there’s plenty available.

The first step is to gather the information. If you’re writing the product then come up with a draft. You have www.google.co.uk at your disposal to research information on just about ANYTHING.

If you’re selling someone else’s product, or putting together a product using material already written (maybe you’ve got a license for a product or it’s in the public domain) then gather all the bits together.

With publishing you can then follow all the steps I recommend for ARTS and CRAFTS. Get yourself a blog and an email newsletter account, and begin posting information, gathering  a few readers. You’re trying to see if there’s an audience, potentially, for what you’ve created.

You should also consider this…

eBooks – the ultimate passive income?

Go to www.amazon.co.uk and set up an account. It means you can take advantage of Kindle publishing – the quickest, newest, smartest way to publish an ebook and get your content out there for people to read and see if it will sell.

It’s easy to set up, has low running costs and zero risk. Once you have your eBook uploaded you don’t have to do anything – you just wait for the sales to come in.

What most people don’t know is that you can even make money on Kindle without actually writing your own book.

One entrepreneur is calling this the ultimate ‘passive income’ – find out why here:

CLICK HERE

Final reality check

I hope today’s letter has given you food for thought.

If all this sounds like a lot of work and hassle, let me break it to you – there is probably no easier, quicker, cheaper way to try and crack into home business. Whatever you’ve been told, there’s no touch-of-a-button
opportunity that doesn’t require any work or patience.

And MOST entrepreneurs I know have usually tried and failed at a few ideas before they’re successful.

Which is why it’s important to test that idea first using the internet’s many free tools.

And if the idea doesn’t work first time round, then don’t give up.

Cheers for now,

Lewis

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“What are you doing tomorrow morning?”

Specifically, what are you doing at around eight o’clock?

Maybe you’ll still be in bed (lucky you! My kids are jumping up and down on my head by 7.00am). Maybe you’ll be just out of the shower, or making breakfast.

Or maybe you’ll be heading off to work?

Well, the lady I’d like to tell you about – Juliette – is no different. At eight o’clock in the morning she’ll be either be packing her daughter off to school, or clearing away the breakfast things, or heading to work herself…

…except in between doing all this, she could have banked an easy £120.

And this is so fast and so simple, her daughter won’t even notice her doing it.

The same thing happens at work…

While she’s out having lunch with colleagues, she could easily bank another £160, without them noticing a thing.

She can even draw down this money when she’s on a train, stuck in traffic or queuing up at a supermarket check-out.

WHENEVER she has a bit of time (and I mean a BIT – literally a few minutes) she has the chance to make anything from £40-£200, while most people do nothing.

Want to find out how she’s doing this? She explains everything right here:

CLICK HERE

This has NOTHING to do with trying your luck at gambling or filling in lottery tickets or running an eBAy account. In fact when she tells people how she makes this money they just don’t believe her.

Seriously, they just can’t see how a single mum with a full time job could possibly do this.

But she’s found a way to use up all those ‘dead minutes’ that crop up each and every day to make £80, £110, £140, £70, £170 time and time again, using something that’s as easy to follow as 1-2-3-4…

The secret code that has made this single mum over £10,000 in her GENUINE
spare time…

Now that Juliette’s up and running and 100% confident that this works, she’s making £300-£400 a week from this, and she aims to up that figure to £500 a week in the near future… all by using a code that lets her go online and draw down small amounts money in minutes.

She can barely believe that this is happening to her… because for years she’d tried system after system, idea after idea in the hope that something would make her a little bit extra; just to take the pressure off paying the bills.

She went to seminars, she bought systems, she followed tipping services – and none of them worked out for her. They were either too complicated, too flawed or (crucially for her) took too long to put into action.

Yes, sometimes she managed to make £90 or £100, but it would take hours sitting in front of a screen to make it!

And as a single mum with a full time job that was just no good to her.

But this is something different…

This takes MINUTES to use and, because you’re only aiming to make small amounts from this (anything from £40-£200 a time), it’s very straightforward. No big gambles, no headache-inducing systems that take hours to understand, no sitting blearily in front of a screen into the small hours…

• Pop out to make a cup of tea for 5 minutes, follow this code, then come back to watch telly. Check the next day and you could have earned £80 without your partner suspecting a thing.

• Give your kids some paper and crayons and get them to draw a picture. By the time they’re colouring in, you could have made a fast £55.

• Wake up, have a shower, and go downstairs to start on breakfast. By the time the family are thudding down the stairs, you could have grabbed another 70…maybe your third pay-out that week.

This really IS that simple.

And this is your chance to put it to the test before anyone else gets their hands on it.

Everything’s explained in Juliette’s letter right here:

CLICK HERE

This time next month this could have made you £200 in your ‘dead time’ -just while you’re starting…

I don’t think Juliette will mind me saying this… but if you saw her out and about you’d never guess in a million years that this lady was making £300-£400 a week in her spare time (especially when you find out WHERE this money comes from!).

Her workmates never suspected she was (and they even laughed when she told them HOW she was making it).

Even her daughter had no idea she was making this extra money. All she knew was her mum suddenly had enough cash to pay for holidays and take her on shopping trips!

All because she’s discovered a SIMPLE way to draw-down money – potentially EVERY DAY – no matter where she is. As long as she can get an Internet connection and has a few minutes dead time, she has the chance to add another £40-£200 to her bank balance.

The question is, do YOU want to do the same?

This WON’T make you rich. But it WILL give you the chance to make £300-£400 a week in your genuine spare time.

So my advice…? Give this a go. I’d tell you to jump right in and just TRY it, because I’ve not seen a system as simple as this in a long while. But at the very least read the attached letter and see if this suits you.

If it does (and I can’t see why it wouldn’t), you could well be dropping me a line a month from now saying you’ve made your first £200. Or maybe you’ll send me a box of chocolates as a thank you for getting you in on this.

I can live in hope can’t I?

Find out how to try it right here:

CLICK HERE

Then he’s usually worth listening to. Especially when he makes a prediction.

So I was startled this week to hear what George Soros had to say.

This white-haired old Hungarian-American has made a fortune from his investments. He can read the markets and future economic trends like no other. He’s also a philanthropist who has given away over $8 billion of his wealth to good causes.

I suppose if there’s a perch at the very top of the ‘rich life’ ideal, then George is on it, swinging to and fro like the happiest budgie in history.

Except George is not happy.

This week from his 33rd floor office above Seventh Avenue in New York, Mr Soros predicted that Europe is about to descend into conflict and chaos, while in America there will be riots on the streets, class warfare and most likely a clampdown by the powers-that-be on personal freedoms.

Soros told Newsweek magazine:

“We are facing an extremely difficult time, comparable in many ways to the 1930s, the Great Depression. We are facing now a general retrenchment in the developed world, which threatens to put us in a decade of more stagnation, or worse. The best-case scenario is a deflationary environment. The worst-case scenario is a collapse of the financial system.”

Okay – breathe, in breath out…

What about the positives, George?

“I am not here to cheer you up,” he said to the reporter. “The situation is about as serious and difficult as I’ve experienced in my career.”

It’s strange, because these sorts of predictions are usually the preserve of the more extreme pundits…

In the past you might have seen advertising pamphlets and websites proclaiming crashes, blood on the streets, re-runs of the ’70s, chaos and destruction…

Now this view is becoming mainstream…

It means there’s a real situation brewing here… and it’s coming closer to home.

The poor are getting poorer and angrier, the super-rich are clinging onto bonuses and privileges ever tighter, and the framework that western society has clung to – capitalism, banking institutions, the European Union – they’re all being shaken to the core.

So when Mr Soros weighs in with his prediction of meltdown… well….

That’s the sort of thing that curdles the milk in my mouth as I munch my cereal in the morning and wonder why I bothered buying a newspaper.

Honestly, I wonder whether it’s better to read newspapers at NIGHT – these days they’re like scary bedtime chillers.

So why am I telling you all this?

Well, I don’t mean to scaremonger. I have two good reasons…

It’s important to know what the smart money is doing

First, although this letter is about saving money, clearing personal debts and finding ways of making an income on the side…. I think it’s important to know the big picture.

While I don’t believe you need to pour over every grisly economic detail every minute of the day – you’ve got a LIFE to get on with after all – it’s important to know what some of the world’s most influential people are predicting for the economy…

By influential I don’t mean politicians with a story to spin  - I mean people whose hunches and predictions have been proved right often enough to listen to.

…And I don’t mean mainstream newspapers that throw so many  mixed, opposing, jumbled facts and stories at you in one go that it’s hard to come up with a view…

What you want to know is what the SMART MONEY thinks will happen and what it’s going to do.

Second, it’s important that you know there’s probably not going to be some economy-saving upswing any time soon. Jobs and new industries won’t suddenly emerge to employ us all and fill the government coffers.

Whatever you think of the cuts, they’re not going to stop, even if the coalition falls.

So we have to face facts: in a period where finances are going to get worse for the majority, you have to get some kind of strategy in place

Here are some avenues to think about…

5 escape routes for your finances

1) I realise how hard this is, but clear down your debts as  a PRIORITY – starting with the one you pay most interest on first. If you can  consolidate all your debt into your mortgage, you should consider it. You can save thousands a year off your overall burden this way.

2) Save! If you can slash the cost of your bills, then do it. Compare prices, switch providers. Get those gas, electricity and phone  bills down. Think about economising on petrol. Car share. Walk. Whatever it takes. This isn’t to penny pinch and squirrel away small sums of money – you need to find money to INVEST in making money. Which brings me to…

3) Invest! I’m not talking necessarily about investing in the stock market. Invest in yourself. Find that training programme, that business plan, that home study course or mentoring offer, that could give you the tools you need to make money. It doesn’t matter whether it’s a few quid for the weekend  or a fully-fledged business. Find those additional income streams.

And if you do fancy investing your money in a traditional way…

4) Invest CLEVERLY! – this is more what I’m interested in: remember “demographics”? Think about those industries that stand to gain from an aging population with more time and money on their hands…

What about investing in managed or warden-controlled  care accommodation for the elderly… what about  investing in healthcare firms who specialise in  breakthrough treatments… what about investing in  leisure and travel firms who specialise in products for the over 50s?

These industries are going to be VERY busy over the next 30 years or so.

I’m not a qualified investment advisor – so I can’t give you specific recommendations in these areas. But any Independent Financial Adviser worth their salt should be able
make a few suggestions.

HINT – don’t just go for straightforward shares – ask about “ETFs” (Exchange Traded Funds) and “REITs” (Real Estate Investment Trusts) which offer a broader basket of investments to spread your risk.

Cheers for now,

Lewis

Or at least got the old grey matter whirring (or ticking, grinding – whatever noise a brain makes when it’s thinking hard).

If you’ve not read it yet, check it out here.

I’m a bit like one of those maniacs who jumps into the sea on Boxing Day. I like to start the year by diving right into projects, no matter how hard it seems after weeks of pies and animated Disney films.

This January, I’m going to start thinking about ways I – and some of the smartest, most successful people I know – can actively help you kickstart your path towards a better lifestyle.

I’m thinking about higher level mentoring, videos, reports and step-by-step guides that take you all the way from being in debt… to feeling comfortable (with those financial dogs at bay)…. to enjoying a bit of a disposable income…. to seriously changing your life in ways you could never imagine.

Does that sound like something you’d want to take part in? If so, let me know what kind of advice you’d like to receive in an ideal world. Whether it’s motivation, money saving ideas, kitchen table business ideas or methods of trading on eBay, Amazon… or even from your own mini online shop.

Drop me a line: lewisgeary@hotmail.com

This will be just one part of what I aim to do for you this year…

The 3 keys to a richer life – a manifesto for 2012

As you know, the Rich Life Letter’s approach to wealth building is three pronged…

On one prong, it’s important to save extra money, get yourself out of the red, re-organise your life so that you’ve got some income to invest in moneymaking ideas and self-improvement.

On the second prong, finding ideas and ways of earning a little extra… £50 here, £100 there… little drips of money that start to build up in your bank, multiple income streams that make life that bit more comfortable.

And on the final prong, the really ambitious stuff that I was talking about on in my last post. The stuff that dreams are made of – freedom from a 9-5, the chance to be your own boss, the opportunity to kick-start a project you can be proud of.

My aim is to deliver you specific and useful information on ALL THREE LEVELS in 2012. From the really simple, basic steps you can take to start increasing your net worth… to the big blueprints, business ideas and part time sidelines.

And it’s never been more important to take action…

For the third year in a row, the country’s living standards is going to take another knock backwards.

The Treasury’s independent Office for Budget Responsibility says that ‘earnings growth is not expected to overtake inflation again until 2013 and not by a significant margin until 2014′.

And according to the Institute for Fiscal Studies, British households will be worse off in 2016 than when I started putting together notes the very first Rich Life Letter in 2006.

Why?

It’s thanks to a heady brew of rising food and fuel prices and high energy bills.

No wonder some people are turning to cling film…

WHAT? I hear you cry! …..CLINGFILM?

Well, yes, this has to be the maddest money saving tip I’ve seen in a while, and therefore the PERFECT tips for 2012.

According to a not-for-profit energy group called Ebico, single glazing windows are bad at keeping in heat, which means you have to spend more money on keeping your house warm.

Okay, so that’s not really news.

BUT…

Apparently a quick and almost-free shortcut is to put cling film over those single glazed windows. It stops drafts and adds a second barrier to help keep in heat.

Mad, but true.

It’s the sort of tip that might be useful if you rent and want a quick landlord-friendly solution to heat loss… you’re about to move home and need a stop-gap… or you’re simply not able to afford new windows or home improvements.

There you go – an opening moneysaving salvo for a year in which YOU will buck the trend and end up better off next year than you were last year.

How’s that for a goal?

Cheers for now,

Lewis

I only ask, because it feels as though I’ve single-handedly eaten every tin of Roses from here to Glasgow.

Well, you’ve got to have a hobby haven’t you?

Still,now that Christmas has been and gone and my ready-made excuse for hoovering up food has disappeared, I’m back sitting in my office (all
three tons of me), and raring to go!

Well, sort of raring. Because let’s be honest… even though we make BIG promises this time of year and SAY we’ll do this and do that and really make a difference, it’s all too easy to do nothing and let time slip past you.

I mean, there’s always another chocolate to eat. Or TV programme to watch. Or magazine to read. Basically, there’s always something better
to do than roll up your sleeves and WORK!

But work is something you need to do. I know it’s a dirty word in a world that’s packed full of ludicrous biz opps claims and get-rich-quick rubbish, but do you REALLY think you’ll be better off come Christmas 2012 without putting any effort in?

Of course you don’t – because you’re not stupid.

So, let’s get fired up and make sure we BOTH push ahead in 2012…

Are you willing to be different – take the harder option – and get ahead this year?

A good friend of mine – Stuart Goldsmith – once put me straight on something. Actually he’s put me straight on many things, but as we
haven’t got three years to spare going through them all, I’ll just stick to this one…

A few years ago, I’d had a modicum of success. I’d released my first book, it was doing pretty well, and I was making some good money out of it.

I can’t remember the amount, but compared to a 9-5 wage it was brilliant, and made me FEEL rich.

But Stuart soon shot me down in flames – in a nice way of course. He said that just to reach a level where you’re financially independent, you need to go out and make yourself £3 million.

Errrrr!

I’ll give you a little time to pick yourself up off the floor and compose yourself. Because I was shocked when he told me this.

But he’s been through the rags to riches story himself and lived it. And he says that’s the minimum you need these days to live any kind of truly independent and successful life.

The £3 million is broken down like this:

• £1 million to break the chains of the wage slave. That should be enough to pay off your mortgage, pay the bills, and live reasonably well for a couple of years – IF you’re prudent.

• You then need another £1 million to soak up all the ‘look-at-me’ toys you’ll buy when you start to make it. Think this is nonsense? Well let me tell you, I’m doing pretty well these days, but I’ve nowhere near a million in the bank. And I’ve ALREADY bought a flash car and taken a few extravagant holidays. Trust me – when you find your niche and start making good money, you’ll blow some on stupid things. It’s hardwired into all of us.

• And the last million…? Well you’ll need that when you finally figure out what you want to do in life long-term. Maybe you’ll set up a classic car hiring company, or buy a B&B. Who knows? But when you’ve settled on your dream, it’ll cost you to set it up.

So that’s £3 million needed just to break even in life! Blimey! So what happens after that?

Simple. Once you’ve got all of the pesky financial goals out of the way, you’ll be truly free to develop as a person, to see how far you can push yourself, to see how much you can learn and do, and how far you can help and inspire others around you.

And that – my friend – is a life-long task. This whole ‘retire at 65′ mentality means nothing. I mean what will you DO? Do 10 hours gardening a day? Watch endless re-runs of Escape to The Country?

That’s not a life for someone of your caliber. That’s for someone who is stuck in a job they hate and is just counting down the days till someone pulls the plug on them.

But your future is different – IF you’ve got the balls (yes, you too ladies) to ‘be different’ now, get working, and find the niche that earns you more and helps you break free. Once you find that niche, you’ll be having too much fun to ‘retire’. You’ll develop, you’ll expand, you’ll try out NEW niches… but I doubt you’ll stop.

I mean, I can’t see myself hanging my keyboard up at 65. I might not be doing exactly the same as now, but I’ll ALWAYS be writing, and I’ll
ALWAYS be trying out new things.

Because I’ve torn free of the usual treadmill and am now treading a path I truly enjoy.

THAT’S what I want for you. And that’s what I’ll help you find. IF you have the backbone to take a stand and vow to ‘be different’ and break free of the ‘birth-school-work-death’ cycle.

Stop dreaming about retirement… start dreaming about working till the day you die, doing something you LOVE

I know it’s hard when you’re forced to leave the house at 7.00am and don’t get back till 7.00pm. I know the temptation is to flop in front
of the TV and do nothing. It’s the EASY option. But if you do that, day after day, you have to accept that life will NOT turn out the way you
dreamt it would.

You’ll be working for others for ever, earning less than you could, gaining little satisfaction, dreaming of retirement and hoping you’re left with enough to pay the bills.

Shoot me now!

But you CAN alter that future. Starting today. Look around this website and find THREE ideas that you’d like to try. Find out more about them. DO something that either rules them in or rules them out.

And don’t stop there. Check out other websites. See what other people are doing. Find something that fires you up, something that you might -
just might – be able to stick at.

Do it TODAY. Stop making excuses and start now…and make 2012 your best year by a mile.

No excuses – not this year…

Like I said – step one… go onto my website and find THREE things that you haven’t tried that appeal to you.

Find out more about them, and see how you could fit at least ONE of them into your working day.

YOU have to do this. No one’s going to knock on your door, tell you you’ve got brilliant ideas, and hand you over a big fat cheque. You’ve got to get out there and SHOW people how good you are, not TELL them.

So close this letter, take a look at my site, make a call or arrange a meeting… whatever it takes to move things on for you.

Don’t make excuses – just do it.

And make sure you don’t miss ANY of January’s issues of The Rich Life Letter – because I’ve got something lined up for you that could kick
start this year immediately.

I hinted about it just before Christmas – and in a week or two I’ll tell you ALL about it. So keep reading!

Cheers for now,

Lewis

Not any lady…

This is someone who’s found a way to make a notoriously complicated and risky money-making scheme as simple and as safe as you can plausibly
get.

She can make around £50-£100 a day before work. It takes her minutes, and it rarely fails to make her a profit over the course of a week.

She averages around £300 a week. No, not a fortune, but this is just for pressing a few buttons over her cornflakes.

Now, the reason I bolted up to see her so urgently is this…

I know that a whole host of companies are circling her, hoping to get her to sign up and share her secret with them. And (from industry gossip that’s been buzzing around) I know they were planning to charge £2,000+ for this – because this is as near to foolproof as it gets.  And she’s prepared to tutor ANYONE who wants to try this.

But, like a slightly overweight streak of lightning, I managed to get in ahead of them, and persuade her to let Rich Life readers test out her system first – WITHOUT charging big money.

I’m still ironing out details (actually I’m helping her write up her system as we speak – and the more I see of it, the more excited I’m getting. Her method is simply marvellous, and dead, dead simple to use), so this isn’t ready to test quite yet…

But it will be soon. In fact….

A special pre-launch, IF you sign up now…

Like I’ve said, this is ALMOST ready to go. It’s called Code 10 – and by January next year it will be finished, polished up and ready to take
the world by storm.  By February I estimate the forums will be buzzing about this, and anyone who’s lucky enough to use it will love it. In
fact, I wouldn’t be surprised if people WERE reselling this on eBay for £2,000 come February or March.

I’m saying this with a straight face…because this code is one of the most genuinely SIMPLE ways to make proper money I’ve ever come across. And when people start talking about it, those on the outside will want to try it!

Unfortunately not everyone will be so lucky, because numbers are going to be limited. I don’t know HOW limited yet (we’re still talking about that) but Code 10 will NOT have the capacity to hold thousands.

So, you can do one of three things…

You can either wait till the official launch in January and take your chances. It’ll be a bun fight, and they’ll be a lot of elbows flying
(think first day of the Harrods sale then times that by 100), but if you’re dead quick you might just get your hands on a copy of Code 10.

OR, you can wait till everyone’s talking about this, then hope that someone sells a copy on eBay. Maybe you’ll get it for £500 or £600, or maybe it’ll cost £2,500 or £2,600.

OR you can take this route…

If you get your name on a priority list now, I’ll send you an invite to the pre-launch. It’ll be like getting an invite to browse Harrods
BEFORE the official sale starts, so you can walk around the store in comfort while the hoards are crushed outside.

No rush, no panic. You’ll be able to find out everything you need to know about Code 10, and be GUARANTEED a copy if you want to try it.

The pre-launch will take place at the end of January. If you sign up today you’re just getting an invitation to attend.  This won’t cost you
anything. It’s just a way of saying ‘Yes, I’d like to find out a little more about Code 10 before it goes nationwide and EVERYONE’s clamouring for a copy.’

I’ll send you all the details you need about Code 10 as soon I can. But you need to drop me a line and get on the ‘guest list’ to make sure you get your Code 10 details on Boxing Day.

Email: guestlist@code10trader.com

Does that make sense?

I hope so, and I hope you’ll get yourself on the guest list, because I promise you… if you don’t take this chance now, you could well be
writing in to me in a few weeks asking me how you can get a copy.

And all I’ll say is, ‘Have you tried eBay?’.

That’s it for today.  I’ll be back again tomorrow, with tips, ideas, stories and advice to make your life that bit easier.

Cheers for now,

Lewis

But…

Seems to be that people are PAYING for other people to sit in their houses and wait for their shopping.

I know, I know, what is the world coming to?

Then again…

I suppose it’s no different than house-sitting… pet-sitting… baby-sitting…

…You could call it ‘Shopping Sitting’.

Or something catchier, perhaps.

Anyway,if you’re looking for a way to earn a few pennies without doing much except for putting your feet up, this COULD (and I say ‘could’ because I’ve only just seen this) be the ticket.

Take a look at this short BBC film:
http://www.bbc.co.uk/news/business-16155116

How to profit from the online shopping boom

Online shopping is booming – it saves time, it allows you to shop around easily, compare prices and find bargains… it’s also great for people who hate crowds, parking costs, congestion and other problems you get from old fashioned pavement-pounding.

But most people are out when deliveries arrive…

Or they don’t want to wait in a whole hour for a 5 minute delivery….

Or – and I HATE this – they get told their new sofa “will arrive at some point in the morning/afternoon” which  means you have to take half a
day of your precious holidays…. and even then you risk the delivery being late.

I remember in my working days spending a day of my holiday waiting for a chair that eventually arrived at 6pm.

Gasket – blown.

So there’s a marketplace here. Fairly well-to-do people who’d rather pay for someone to wait in and for their delivery than take a day off.

Of course, if you fancy doing this sort of no-brainer work, there are some caveats:

- You’ll need to find a way to make your service known (leaflets through the door, cards in shop windows, notices on local websites or forums)

- You’ll need time spare during the day. So you’ll be retired, unemployed or work unusual hours.

- You’ll need to put a bit of effort into schmoozing the potential client so that they trust and like you – after all, you’ll be sitting in their house.

Worth thinking about.

This is something that makes modest amounts of money – regularly. It won’t make you £5,000 or £6,000 at a go, but it could well put an extra £73,
£110, £45, £90 in your pocket – maybe a couple of times a week if things work out.

I can say this with some conviction, because the man who dreamt up this idea is a good friend of mine.  My wife and I are going to catch up with him and his family next week, and while we were making arrangements he told me about this money-maker of his.

I asked him to send me the details, which he duly did on Sunday, and I have to say – I think his plan is great. I’ve worked through most of it
already, and have already started to use it, and it’s working. I’m already £33 up (I like to start small!).

With a bit of arm twisting, he’s agreed to let me share this with you today. If I were you I’d get my skates on and read through this. You’ll see why when you see his idea.

So, meet my friend, and have a look at his money-making plan:
CLICK HERE

How you can ‘trap’ little pockets of money that really add up

I won’t go in to any detail here and spoil the attached letter for you, but I want to run a few things past you just to make sure you understand a few things about this…

- This is a straightforward way to make a decent extra income, month in, month out.
Some weeks will be slower than others, and you’ll NEVER be making thousands from this. But on a good week you could make around £300 – even in your early days.

- This doesn’t involve leaving your home… 
you ‘trap’ this money online, on a very specific site my friend will introduce you to. You then transfer to your bank account when it suits you.

- This isn’t online lottery or bingo or gambling…
it’s much cannier than that.

- There is some work on your part…
I read through everything and got to grips with it over a couple of days (maybe 2 or 3 hours in total). But I guess I look at money-making ideas all the time and am sort of tuned into them a little. So this might take you a little longer to set up. But a couple of evenings or a Saturday morning and you’ll be ready to go.

- You will waste time occasionally…
there will be days when you go to trap some money and there’s none to BE trapped! It happens. But when it does you’ll only have wasted 5-10 minutes of your time – hardly a killer.

- My friend will help you get this up and running.
He’s a top chap – so you’ll enjoy every second. He won’t be coming round to your house or anything – he’ll just offer you help by email if you want to ask him anything about this.

Want to know more? Here are all the details:

CLICK HERE

But if there is one downside to all of this, it’s this…

You’re second in line for this – so you’ll need to hurry

My friend has already offered to help set this up for his closest friends and family, plus the loyal following he’s got online (he’s something of
a legend when it comes to making money in this way), which means he can’t really take many more people on.

Bottom line is this: if you want to see what this is about and try it for yourself with his help, you need to act quickly. Yes yes, I know EVERYTHING says ‘act quickly’ these days – but in this case it’s true. I know you can get in on this, because us Rich Lifers are only the second lot of people to see this. But before long this WILL ‘sell out’. Basically my mate will have too many onboard trying to do this, and he’ll shut the doors.

So – before you do anything else – you should read the attached RIGHT NOW. You may not fancy trying this, in which case you’ve just lost a few minutes of your day. But you’ll kick yourself if you read this later, think it sounds great and really want to try it, only to discover he’s taken on enough people and you’ve missed out.

So have a look, and get back to him asap if you want to give this a go.

Cheers for now,

Lewis Geary

Find out more about my friend’s system here….

Do you like cash?

Do you want some of the cash you spend put back in your pocket?

Course you do. You’re a smart Rich Life Letter reader.

Now as you know from my rumblings on the subject, I’m not one for spending a load of time – hours even – hunting around for a way to save a few pence here and there.

For me, that time and energy can be better spent on projects that MAKE money.

And if you want to check some of my favourite ways, then take a look at this webpage:

http://www.richlifeletter.com/category/making-money/

But I’m always on the lookout for significant savings, ways to beat the credit crunch and VAT rises… as long as they’re easy with no strings attached.

Today I want to present  you with one of them. It’s a means of getting financial rewards for virtually no extra effort – just by doing your regular shopping.

Before I do that…

“STOP – THIS IS NOT A REAL JOB”

If you’ve received an email describing you as an ‘applicant’ with ‘detailed information’ on your ‘work options’ – and you’ve NOT applied for a job anytime recently, then hit that DELETE button quick-sharp.

I got an email today asking me to ‘complete an internal application’ for a job that would pay me up to $57 per hour.

Obviously the worst thing you can do is click on that link – even out of mild curiosity. It’s either a virus, spyware or you’re going straight to a site so cleverly dodgy it could play winger for the All Blacks.

There are a few of these phony work offers going around at the moment. Total bunkem of course, and here’s why:

http://www.richlifeletter.com/the-scam-that-could-lose-you-thousands/

Right, now for something that really works…

How to make easy returns from cashback websites

I signed up to TopCashBack the other day. It’s a website that allows you to do your shopping on regular mainstream company websites (Gap, M&S, Sainsbury’s, etc) and get money-back gifts for doing so. You can also get access to exclusive discounts.

If you do a big Christmas shop this way you could be looking at some serious moneysaving and money-earning at the same time.

…which is right up the Rich Life alley!

By the way, I’m not making any kickbacks or benefits by mentioning TopCashBack- there are plenty of other similar companies. It’s just the one I was recommend by a trusted contact – and it’s the one I’ve started using recently.

Whatever site you use, the idea is simple…

Earn money back for shopping

Instead of going to a company’s website directly, you go to the cashback website, click on the link to the shop you want to visit (let’s say it’s your weekly Sainsbury’s delivery) and shop as normal. You get certain amounts of money given back to you depending on the shop and what you buy.

Really it works like a big affiliate website. Your shopping is tracked by the cashback site so it knows what you’ve bought and where, and can reward you accordingly.

So how much do you get back?

Well here’s the latest (as I write) on my cashback website…

* Get the new iPhone 4S from Vodafone and you get get £131.30 cashback on all 18/24 month contracts, including selected iPhones

* Buy two Body Shop products and get two free…. existing customers get 12.12% cashback

* Debenhams – get 30% off coats, boots, hats, gloves and scarves and 4.04% cashback

* Philips -  get 40% off TVs and earn 9.27% cashback

* Expedia – save up to 30% on selected London hotels and get 10.1% cashback!

Oh, and here’s a good one for Christmas. I don’t know if you’ve ever tried Hotel Chocolat before – it’s a website that sells the most amazing, weird and wonderful chocolates.

Well, that’s offering 13.39% cashback on their range of Christmas Chocolates, stocking fillers, advent calendars and other treats.

All good right?

Well, yes, as long as you’re aware of these drawbacks…

Two drawbacks of cashback websites

* First – just because there’s a saving to be had, or cashback in the offing, it doesn’t mean you should buy something. Resist the bargain hunt… ONLY purchase something you were going to buy anyway.

* Second – don’t base your finances on earnings you predict from cash-back sites. If it goes bust or there’s a problem you may not see that money.  Think of this as a bonus, and only when it’s safely in your bank account.

Other than that, I see no problems in using these sites.  Like I say, I’m using TopCashBack because of personal recommendations from friends – and it gets a good write up in the press.

If you try an alternative site, take a few minutes to check it out – see if you can find some reviews or positive press.

As soon as I wrote it, I realised it sounded like I was about to give you the most gruesome, socially unacceptable moneymaking idea EVER….

“Sell your organs for quick profit!”

Of course, I’m not saying that…

Although…

In a way, I am.

Because the most valuable organ in your body is your brain.

Everyone alive has got one…. except maybe a couple of Big Brother contestants and at least one politician I can think of.

And whatever you think about your own brain (too old, too forgetful, too impulsive, too quick, too slow)…. it’s a miraculous machine that holds the key to success, wealth and happiness.

Inside your brain are a lot of ideas.

You’ve probably had occasions where something has come into your head and you’ve thought “Hey, maybe that would work, I wonder if someone’s tried that…”

Most of the time you ignore these thoughts, suppress them, doubt them into oblivion…

Usually you’re busy, you don’t know where to start, you lack self confidence or you get distracted and the through fades away.

But this is a great shame. Because you could be missing that gem of an idea that could turn into a moneymaking project, a small business, a book, a website, a charity project, a fun new hobby, even a work of art.

Having a good idea has NOTHING to do with education, age, memory skills or ‘creative talent’. It’s simply about recognising a good one when it pops up in the old grey matter.

Turning an idea into reality is then about:

* Confidence – having that belief that you can do something remarkable with your life and taking action to realise your idea.

* Knowledge – knowing the quickest, easiest, lowest cost way to test out your idea and see if it’s a goer.

Now the first factor – confidence – I can’t help you with. All I can say is something along the lines of “LIFE IS SHORT- SEIZE THE DAY”…. but you already know that, right? It’s really about pushing yourself to do something unfamiliar without worrying what others think.

The second factor I CAN help you with.

Today I want to show you a little shortcut that will help you put an idea into action relatively quickly, without lots of costs and relatively little risk.

How to turn an idea into money

The first thing to do is write it down. If you don’t do it right away, it’s lost.

Don’t worry about grammar or style, just sit down and jot down every single element of the idea. Spend a good long evening thinking about it.

One technique is called ‘Mind Mapping’.

What you do is take a large sheet of paper. Put the central idea in the middle in a big bubble.

For instance. Let’s say you’re allergic to dairy, gluten or wheat. You have an idea of creating some kind of service that takes recipes that contain milk and turns them into dairy-free versions, so that other sufferers can cook meals they see in recipe books.

(I’ve just thought of this idea, I’ve no idea if it’s a goer, but it’s yours if you want it).

What you would do is write down something like:

DAIRY FREE CONVERTOR

Next you would ‘map’ the idea. Put down as many thoughts about what this service would include and link them to the idea with lines. Some ideas will link to other related ideas. Write everything you think of down (even mad ideas) and draw lines to link them up.

Once you’ve drawn your crazy map of ideas – WAIT. You now have to take a step back…

Do some simple online research

Next go to www.google.com and enter some of the ideas, words and phrases you’ve written down and see what information is out there.

For instance, if I type ‘Dairy Free Convertor’ I find a link to this:

http://or.americanmentalhealth.com/index.tpl?page=124500150935349757&target=contFrame

So someone’s had the idea of a gluten conversion site but it’s not a particularly good site.

Another person has written an article on the subject here

You want to save up these links. Left click your mouse, drag it across the webpage address then go to a Word or notepad document and paste the link by right clicking on your mouse.

Fill a few pages with articles, websites and links.

You may need to tweak or change your ideas depending on what you find.

Don’t worry if something’s been done before or someone’s already doing something similar. That’s actually a good thing. It shows there’s a business there.

But if there are tonnes of websites offering this information or this service then you need to think about what you could offer to make yours different.

The 3 fundamentals of a good idea

Next you need to look at your map and research and boil your idea down to three elements.

* What is it I’m offering? (Specifically, what your service does. For example: takes common recipes and converts them into dairy & gluten free versions)

* Who is it who will be interested in this? (People who love food, recipe books and cookery programmes but who are allergic or intolerant to dairy/gluten)

* How are you going to deliver the service? (Decide what your medium will be. Is it a website, email, physical newsletter? All three?)

If you can’t answer these three questions clearly, in a nutshell, then go back to your map and research stages and work it out.

Now to test the idea…

Shortcuts to publishing an idea

* Step one – create a simple blog website

The quickest (free) way is to go to www.wordpress.com and pick one ‘off the shelf’.

The best (low cost) way is to go to www.123-reg.co.uk, buy a web address and hosting, then go to www.wordpress.org and plug it into your hosting.

* Step two – populate your website

You should write a few hundred words about why you’re creating this service and what it can do for the visitor. (This is called an ‘about me’ page.)

Write a few short blog posts with tips or information about your idea. What this does is allow you to practise, shape and develop your project online. At first you won’t get any visitors, but that’s fine because you’re building confidence.

Soon you’ll start appearing on Google. And there are other techniques you can use to get attention – go on Twitter or Facebook, comment on other people’s websites with a link back to yours, write to other publishers, website owners and businesses and see if they’ll trade links with you.

* Step three – create an eBook

Take all the tips and strategies you learned in your research – or your own ideas and experiences – and turn them into a short ‘how to guide’.

This is something you can give away for free on your website OR take to publishers in your chosen area (in my example this would be health information publishers).

If you think your eBook is strong enough (i.e. it has real benefits, unique ideas and useful tips) you can even do ‘step three’ without steps one and two. Take your idea directly to a publisher and either sell the idea direct for them to produce, or develop it as a joint venture. You can then push your new customers to your blog.

If you want step-by-step information on how to do this, then take a look here

So there you have it – from brain to internet in three steps!

And if you DON’T have any ideas, it’s possible to FIND ideas simply by using Google. If that appeals, I’d really recommend you take a look at the above link. It’s everything I know about turning ideas into money in easy steps.